Credit unions rely heavily on conventional lending (96.6%), using government programs less than any lender type. Exception: Navy Federal dominates VA loans with 76% of credit union VA volume. buff.ly/yWI1hcX...
Mortgage Market Report Series - Part 2: Lending Trends by Borrower and Neighborhood Characteristics » NCRC
Part 2 of NCRC’s 2024 Mortgage Market Report series looks at what sorts of people and places mortgage lenders are serving.
buff.ly
November 10, 2025 at 6:03 PM
Credit unions rely heavily on conventional lending (96.6%), using government programs less than any lender type. Exception: Navy Federal dominates VA loans with 76% of credit union VA volume. buff.ly/yWI1hcX...
Two-thirds of home purchase mortgages in 2024 came from non-bank lenders exempt from Community Reinvestment Act. Banks dropped to 30.1% market share. Accountability crisis in lending. buff.ly/xwSdjsl #justeconomy #cra...
November 10, 2025 at 2:05 PM
Two-thirds of home purchase mortgages in 2024 came from non-bank lenders exempt from Community Reinvestment Act. Banks dropped to 30.1% market share. Accountability crisis in lending. buff.ly/xwSdjsl #justeconomy #cra...
Only 15% of Native households have access to banking services on tribal lands. Mortgage lending gaps compound wealth disparities affecting Indigenous communities nationwide. buff.ly/agRCaeZ #justeconomy...
Mortgage Market Report Series - Part 3: Native American and Hawaiian Lending » NCRC
Part 3 of NCRC’s 2024 Mortgage Market Report series examines lending patterns among Native Hawaiians and mainland Native American communities.
buff.ly
November 9, 2025 at 10:01 PM
Only 15% of Native households have access to banking services on tribal lands. Mortgage lending gaps compound wealth disparities affecting Indigenous communities nationwide. buff.ly/agRCaeZ #justeconomy...
NCRC research team supports member organizations with analysis of local fair lending patterns, appraisal bias studies, and neighborhood lending trends. Free to members. This is how we build power together. #justeconomy #fairlending #solidarity
November 9, 2025 at 6:01 PM
NCRC research team supports member organizations with analysis of local fair lending patterns, appraisal bias studies, and neighborhood lending trends. Free to members. This is how we build power together. #justeconomy #fairlending #solidarity
Nashville, Denver, and Austin saw highest gentrification rates in recent decades. Local mortgage patterns reveal displacement as prices soared beyond reach of long-time residents. buff.ly/AIyqeiB #justeconomy...
Mortgage Market Report Series - Part 4: Mortgage Lending Across American Cities » NCRC
For the complete series, including videos, interactive visualizations and localized market analysis, visit our 2025 Mortgage Market series homepage. NCRC
buff.ly
November 9, 2025 at 2:01 PM
Nashville, Denver, and Austin saw highest gentrification rates in recent decades. Local mortgage patterns reveal displacement as prices soared beyond reach of long-time residents. buff.ly/AIyqeiB #justeconomy...
Majority-minority census tracts see upper-income borrowers claiming most mortgages. Gentrification displacing original residents from homeownership opportunities in their own neighborhoods. buff.ly/zjTLrKC...
Mortgage Market Report Series - Part 2: Lending Trends by Borrower and Neighborhood Characteristics » NCRC
Part 2 of NCRC’s 2024 Mortgage Market Report series looks at what sorts of people and places mortgage lenders are serving.
buff.ly
November 8, 2025 at 10:00 PM
Majority-minority census tracts see upper-income borrowers claiming most mortgages. Gentrification displacing original residents from homeownership opportunities in their own neighborhoods. buff.ly/zjTLrKC...
Recalibration theory fails reality check. Industries employing undocumented workers show growth, not decline. If supply decreased, wages would rise. They're stagnant. Market is stalling. buff.ly/VAZHIbO...
Is the Labor Market Stalling or Re-calibrating? October 2025 Race, Jobs and the Economy Update » NCRC
With the federal government shutdown that began on October 1st ongoing, economic data releases from a plethora of federal agencies (including the Bureau of Labor Statistics) have ground to a halt. Despite...
buff.ly
November 8, 2025 at 6:01 PM
Recalibration theory fails reality check. Industries employing undocumented workers show growth, not decline. If supply decreased, wages would rise. They're stagnant. Market is stalling. buff.ly/VAZHIbO...
Hispanic borrowers reached 17.7% of home purchase loans in 2024, exceeding population share for first time. Progress shows what's possible when lending expands access. buff.ly/AIyqeiB #justeconomy #latinohomeownership...
Mortgage Market Report Series - Part 4: Mortgage Lending Across American Cities » NCRC
For the complete series, including videos, interactive visualizations and localized market analysis, visit our 2025 Mortgage Market series homepage. NCRC
buff.ly
November 8, 2025 at 2:01 PM
Hispanic borrowers reached 17.7% of home purchase loans in 2024, exceeding population share for first time. Progress shows what's possible when lending expands access. buff.ly/AIyqeiB #justeconomy #latinohomeownership...
Government-backed loan programs critical for borrowers of color despite declining market share. FHA, VA, and RHS programs serve communities that conventional lending leaves behind. buff.ly/L6tHHvX...
Mortgage Market Report Series - Part 2: Lending Trends by Borrower and Neighborhood Characteristics » NCRC
Part 2 of NCRC’s 2024 Mortgage Market Report series looks at what sorts of people and places mortgage lenders are serving.
buff.ly
November 7, 2025 at 10:01 PM
Government-backed loan programs critical for borrowers of color despite declining market share. FHA, VA, and RHS programs serve communities that conventional lending leaves behind. buff.ly/L6tHHvX...
Need local mortgage market data for your city? NCRC members get free custom reports analyzing lending by race, income, and neighborhood. We translate complex HMDA data into actionable insights for your community. #justeconomy #datajustice #members
November 7, 2025 at 6:02 PM
Need local mortgage market data for your city? NCRC members get free custom reports analyzing lending by race, income, and neighborhood. We translate complex HMDA data into actionable insights for your community. #justeconomy #datajustice #members
Indian Housing Block Grants and specialized programs remain crucial but insufficient for Native homeownership. Land trust issues and jurisdictional complexity create additional barriers. buff.ly/agRCaeZ #justeconomy...
Mortgage Market Report Series - Part 3: Native American and Hawaiian Lending » NCRC
Part 3 of NCRC’s 2024 Mortgage Market Report series examines lending patterns among Native Hawaiians and mainland Native American communities.
buff.ly
November 7, 2025 at 2:02 PM
Indian Housing Block Grants and specialized programs remain crucial but insufficient for Native homeownership. Land trust issues and jurisdictional complexity create additional barriers. buff.ly/agRCaeZ #justeconomy...
Total mortgage lending collapsed from 16.8 million loans in 2021 to just 4.6 million in 2023. Refinancing dropped over 90% from pandemic peaks. Rising rates locked out borrowers. buff.ly/xwSdjsl #justeconomy...
November 6, 2025 at 10:01 PM
Total mortgage lending collapsed from 16.8 million loans in 2021 to just 4.6 million in 2023. Refinancing dropped over 90% from pandemic peaks. Rising rates locked out borrowers. buff.ly/xwSdjsl #justeconomy...
Long-term unemployment rising, average joblessness increasing, resignation rate low. These are signs of a stalling labor market, not recalibration. Millions face unemployment without relief. buff.ly/iNzU2s9...
Is the Labor Market Stalling or Re-calibrating? October 2025 Race, Jobs and the Economy Update » NCRC
With the federal government shutdown that began on October 1st ongoing, economic data releases from a plethora of federal agencies (including the Bureau of Labor Statistics) have ground to a halt. Despite...
buff.ly
November 6, 2025 at 6:03 PM
Long-term unemployment rising, average joblessness increasing, resignation rate low. These are signs of a stalling labor market, not recalibration. Millions face unemployment without relief. buff.ly/iNzU2s9...
Lending to low and moderate-income borrowers fell to 14.2% in 2024, the lowest since 2018. Upper income borrowers dominate even in LMI and majority-minority neighborhoods. buff.ly/L6tHHvX...
Mortgage Market Report Series - Part 2: Lending Trends by Borrower and Neighborhood Characteristics » NCRC
Part 2 of NCRC’s 2024 Mortgage Market Report series looks at what sorts of people and places mortgage lenders are serving.
buff.ly
November 6, 2025 at 2:02 PM
Lending to low and moderate-income borrowers fell to 14.2% in 2024, the lowest since 2018. Upper income borrowers dominate even in LMI and majority-minority neighborhoods. buff.ly/L6tHHvX...
Your organization can access NCRC research expertise at no cost. We help members understand complex mortgage data, track lending trends, and build evidence-based advocacy campaigns. Membership has benefits. #justeconomy #research #advocacy
November 5, 2025 at 10:01 PM
Your organization can access NCRC research expertise at no cost. We help members understand complex mortgage data, track lending trends, and build evidence-based advocacy campaigns. Membership has benefits. #justeconomy #research #advocacy
Just a fantastic overview of Wilson from Josh. joshsilver.substack.com/p/woodrow-wi...
Woodrow Wilson: The Light Withdrawn by Christopher Cox
As you can guess from the title, Cox is not a fan of President Wilson.
joshsilver.substack.com
November 5, 2025 at 9:24 PM
Just a fantastic overview of Wilson from Josh. joshsilver.substack.com/p/woodrow-wi...
Black borrower share of mortgages remains stagnant at 8.9%, well below their 11.7% share of adult population. Major metros like Atlanta, Houston, and DC show declining Black homeownership rates. buff.ly/AIyqeiB...
Mortgage Market Report Series - Part 4: Mortgage Lending Across American Cities » NCRC
For the complete series, including videos, interactive visualizations and localized market analysis, visit our 2025 Mortgage Market series homepage. NCRC
buff.ly
November 5, 2025 at 6:04 PM
Black borrower share of mortgages remains stagnant at 8.9%, well below their 11.7% share of adult population. Major metros like Atlanta, Houston, and DC show declining Black homeownership rates. buff.ly/AIyqeiB...
Native American and Hawaiian homebuyers face unique barriers in mortgage access. Our analysis reveals critical gaps in lending to Indigenous communities across the country. buff.ly/agRCaeZ #justeconomy #nativerights...
Mortgage Market Report Series - Part 3: Native American and Hawaiian Lending » NCRC
Part 3 of NCRC’s 2024 Mortgage Market Report series examines lending patterns among Native Hawaiians and mainland Native American communities.
buff.ly
November 5, 2025 at 2:03 PM
Native American and Hawaiian homebuyers face unique barriers in mortgage access. Our analysis reveals critical gaps in lending to Indigenous communities across the country. buff.ly/agRCaeZ #justeconomy #nativerights...
NCRC provides free customized mortgage market analysis to members. Need data on lending patterns in your community? We analyze HMDA data and create reports tailored to your advocacy work. Contact us to learn more. #justeconomy #communitydevelopment #memberbenefits
November 4, 2025 at 10:01 PM
NCRC provides free customized mortgage market analysis to members. Need data on lending patterns in your community? We analyze HMDA data and create reports tailored to your advocacy work. Contact us to learn more. #justeconomy #communitydevelopment #memberbenefits
Non-bank lenders now make 53.3% of all mortgages, up from 44.6% in 2018. They are not subject to Community Reinvestment Act oversight, undermining efforts to serve communities historically excluded from credit. buff.ly/b2YId99...
November 4, 2025 at 6:04 PM
Non-bank lenders now make 53.3% of all mortgages, up from 44.6% in 2018. They are not subject to Community Reinvestment Act oversight, undermining efforts to serve communities historically excluded from credit. buff.ly/b2YId99...
With federal shutdown halting jobs data, private reports show conflicting signals. ADP reports 32,000 job losses while Revelio shows 60,000 gains. Labor market stalling, not recalibrating. buff.ly/x0EcLF4...
Is the Labor Market Stalling or Re-calibrating? October 2025 Race, Jobs and the Economy Update » NCRC
With the federal government shutdown that began on October 1st ongoing, economic data releases from a plethora of federal agencies (including the Bureau of Labor Statistics) have ground to a halt. Despite...
buff.ly
November 4, 2025 at 2:03 PM
With federal shutdown halting jobs data, private reports show conflicting signals. ADP reports 32,000 job losses while Revelio shows 60,000 gains. Labor market stalling, not recalibrating. buff.ly/x0EcLF4...
With federal shutdown halting jobs data, private reports show conflicting signals. ADP reports 32,000 job losses while Revelio shows 60,000 gains. Labor market stalling, not recalibrating. buff.ly/vMRdHJE #justeconomy #labormarket #jobs #economy
buff.ly
November 2, 2025 at 2:00 PM
With federal shutdown halting jobs data, private reports show conflicting signals. ADP reports 32,000 job losses while Revelio shows 60,000 gains. Labor market stalling, not recalibrating. buff.ly/vMRdHJE #justeconomy #labormarket #jobs #economy
Week one thought: An economy that works for everyone means mortgages aren't gatekept, jobs reach all communities, and wealth isn't extracted from the people who built it. buff.ly/2BZulTk #JustEconomy
October 30, 2025 at 2:58 PM
Week one thought: An economy that works for everyone means mortgages aren't gatekept, jobs reach all communities, and wealth isn't extracted from the people who built it. buff.ly/2BZulTk #JustEconomy
Mortgage lending disparities don't happen by accident. They're the result of decisions. And decisions can be changed. That's what the #JustEconomy movement is about. buff.ly/2BZulTk #FairLending #HousingRights
Mortgage Market Report Series » NCRC
Read NCRC's detailed analysis of mortgage market trends from 2024 Home Mortgage Disclosure Act data.
buff.ly
October 29, 2025 at 11:58 PM
Mortgage lending disparities don't happen by accident. They're the result of decisions. And decisions can be changed. That's what the #JustEconomy movement is about. buff.ly/2BZulTk #FairLending #HousingRights
Student loan delinquency at 21-year highs while Black workers get locked out of opportunity. Systemic barriers need systemic solutions. buff.ly/oaj2TVs #JustEconomy #StudentDebt #EconomicMobility
An Inflection Point Has Been Reached: August 2025 Race, Jobs and the Economy Update » NCRC
In this month’s edition of our Race, Jobs and the Economy series where we decode the Bureau of Labor Statistics’ (BLS) monthly jobs report, we will give an overview of the BLS data collection…
buff.ly
October 29, 2025 at 12:31 PM
Student loan delinquency at 21-year highs while Black workers get locked out of opportunity. Systemic barriers need systemic solutions. buff.ly/oaj2TVs #JustEconomy #StudentDebt #EconomicMobility